The startup business loan should not be short of money when the fund is sufficient!

startup business loan financing must be clear about one fact: do not wait for a shortage of funds to refinance. Many business owners will say that there is no need to pay interest for financing without funds? This is not just the cost... This is why 70% of enterprises do not know when they can better finance! Now, please remember, don't wait for a shortage of funds to lend for financing. There are three reasons:
First of all, it is difficult to find suitable funds for yourself in a short time;
Second, the cost is high, which may only focus on time;
Third, banks and other investors are profit making institutions and rarely provide timely assistance.
It is difficult for enterprises to find the financing party that matches the risk preference
Many companies that entrust financial advisers for consultation will choose to finance when the company's cash flow is relatively abundant or the richest, because financing does not need to compromise at this time, and the effect is better. For banks and other investors, the favorite thing is to increase the cake. When capital is scarce, financing cannot be carried out, but when capital is abundant, financing cannot be carried out.
The early financing plan of enterprises reduces the difficulty of temporarily being unable to find funds
In the financing environment where information is everywhere, market competition is extremely fierce, and financing demand is surging, every financing enterprise wants to invest in the raw material management, research and development, talent and other capital needs of banks and other investors as soon as possible. Banks and other licensed financial institutions are required to have the lowest risk while making profits, so the total amount of capital loans is limited... These funds will be invested in the best management The lowest risk loan enterprise. Therefore, if enterprises need to successfully finance in the short term, they need to have sufficient reserves in terms of credit resources, financing channels and risk appetite to address some short-term capital needs. Therefore, if it is in urgent need of funds, it can find enterprise financing advisers, because the resource reserves of financing advisers in this field are more than those of enterprises.
Enterprises need to make scientific and reasonable financing decisions to reduce financing costs
The operation and management of an enterprise may change from time to time. Just like the description in the balance sheet is a concept of time point, the income statement is the embodiment of a period of time. No one can predict what risks will happen to the loan enterprises in the future. For entrepreneurs at the stage of entrepreneurship and growth, preventing loans is a very valuable wisdom. If we wait until we are short of funds to raise funds, we will lose more negotiation funds, and we will not be able to make the right decisions that meet our own financing needs, thus driving up financing costs. The financing experience of successful financing tells us that financing should be carried out when the enterprise is profitable, and loans should be carried out when the enterprise does not need funds, rather than bank loans when the enterprise is in urgent need of funds. Only in this way can the cost of financing be minimized.
Therefore, most enterprises should remember that the best time to raise funds is when they do not need funds.

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Enterprise financing concept
When the financing plan of an enterprise with mature operation and management reaches 18 months, it usually needs to be 6 months in advance
Although the vast majority of loan enterprises have leaders with excellent management skills, team leadership and rich experience in operation management, they tend to ignore changes in credit policies, industrial policies, etc., which makes lenders have certain randomness and contingency. For the managers of small, medium and micro enterprises, financing is a matter that cannot be shelved. The next wave of financing will take some time to negotiate and run in, and the financing plan should be formulated in advance - generally speaking, there is little funds in the public account, and the SME banks only have 18 months [if the operation and management are acceptable, it should be no later than 6 months before the capital demand point, at least 3 months in advance]. The Company shall formulate a financing plan, which shall be launched in a timely manner, and connect different types of financing parties according to the asset liability structure of the enterprise.
Choosing appropriate financing opportunities has different impacts on SMEs at different growth stages
For small, medium-sized and micro enterprises in the start-up stage, financing can solve the problem of insufficient funds at the initial stage; For loan enterprises in the growth and expansion stage, financing can solve the problems of rapid development and large capital demand. Whether an industry or a company is in the initial stage or stable development stage, entrepreneurs need to rely on loan financing to maintain business operations, invest a lot of money in R&D, design and production, and also need to constantly update equipment, carry out technical transformation to attract high-quality talents. At present, many projects in emerging industries have invested a lot of money in talent, technology, equipment or market promotion. It is impossible to operate normally only relying on shareholders' own funds. At this time, we must actively consider the financing opportunities and not lose to our competitors in terms of financing channels and resources.
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Tianfu Securities Trading Center
Tianfu (Sichuan) Joint Equity Trading Center, formerly known as Chengdu (Sichuan Tibet) Equity Trading Center, is referred to as "Tianfu Equity Trading Center". It was established in July 2013 with the authorization of the State Council and the approval of the Sichuan Provincial Government and the Tibetan Autonomous Region Government.
Tianfu Securities Exchange Center is the only legal private equity market and its operating organization in Sichuan and Tibet, an important part of China's multi-level capital market, a core platform and main channel for direct financing of unlisted companies in the region, especially SMEs, a comprehensive application platform for policies and measures of governments at all levels to support SMEs, and a comprehensive support platform for the reform and listing of enterprises above designated size in Sichuan Province.
At present, the official website of Tianfu Securities Exchange Center has launched three indirect financing products, namely Tami Loan, Bank of China Inclusive Finance Loan and Maker Loan, which fully meet the financing needs of SMEs in Sichuan and Tibet. As of December 30, 2021, Tianfu Securities Exchange Center has issued bonds to finance nearly 20 billion yuan for various small and medium-sized enterprises, ranking the second in China; Another 10600 enterprises were listed in Tianfu Securities Exchange, ranking among the top 4 in China.